FRANK A. v. EMERY FEDERAL CREDIT UNION

Case No. 1:15-cv-792.

Frank A. and Shelly Palombaro, Jr., et al., Plaintiffs, v. Emery Federal Credit Union, Defendant.

United States District Court, S.D. Ohio, Western Division.

August 10, 2017.

Editors Note
Applicable Law: 28 U.S.C. § 1331
Cause: 28 U.S.C. § 1331 Fed. Question: Breach of Contract
Nature of Suit: 480 Consumer Credit
Source: PACER


Attorney(s) appearing for the Case

Edward J. Fangman, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp.

Edward J. Fangman, Plaintiff, represented by Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Vickie Fangman, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Damon M. Oliver, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Betty M. Howard, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Clayton J. Anthony, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Janice M. Manuel, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Eric L. Haynes, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Joseph J. Quinn, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Deloris F. Woods, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Jameson Cooper, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Katherine Cooper, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Geraldine R. Walters, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Rose A. Lease, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

James Pipp, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Dana Pipp, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Lawrence Crupi, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Concetta Crupi, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Charles Milburn, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Frank Cherry, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Sammie Cherry, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Helen L. Householder, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Barbara J. Boyd, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Preston Johnson, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Beatrice Johnson, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Gerald Jones, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Ann Jones, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

John Mahoney, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Tinna Mahoney, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Patricia Gibson, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Bruce Eisenstein, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Margaret Eisenstein, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Frank A. Palombaro, Jr., Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Melissa Anne Schaub, Keating Muething and Klekamp, LLC, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

David Alvarado, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Melissa Anne Schaub, Keating Muething and Klekamp, LLC, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Shelly Palombaro, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Melissa Anne Schaub, Keating Muething and Klekamp, LLC, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Claude Monegeon, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Carol J. Shaw, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Lusetha Rolle, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Patricia M. Marshall, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Ruby B. Coggins, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

John H. Reinheimer, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Jamie B. Reinheimer, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Jill Monegeon, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Gerald F. Coggins, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Melinda Alvarado, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa L. English, pro hac vice, Melissa Anne Schaub, Keating Muething and Klekamp, LLC, Michael Paul Smith, Smith Gildea and Schmidt LLC, pro hac vice, Sarah A. Zadrozny, Smith, Gildea & Schmidt, LLC, pro hac vice, Timothy Francis Maloney, Joseph Greenwald and Laake PA, pro hac vice & Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice.

Jennifer L McAlpin, Plaintiff, represented by Melissa L. English, pro hac vice, Melissa Anne Schaub, Keating Muething and Klekamp, LLC, Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice & Gregory Michael Utter, Keating Muething & Klekamp.

Gary J Ratcliff, Plaintiff, represented by Melissa L. English, pro hac vice, Melissa Anne Schaub, Keating Muething and Klekamp, LLC, Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice & Gregory Michael Utter, Keating Muething & Klekamp.

Kevin D McAlpin, Plaintiff, represented by Melissa L. English, pro hac vice, Melissa Anne Schaub, Keating Muething and Klekamp, LLC, Veronica Byam Nannis, Joseph Greenwald and Laake PA, pro hac vice & Gregory Michael Utter, Keating Muething & Klekamp.

Ray Roudebush, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa Anne Schaub, Keating Muething and Klekamp, LLC & Melissa L. English.

Barbara Roudebush, Plaintiff, represented by Gregory Michael Utter, Keating Muething & Klekamp, Melissa Anne Schaub, Keating Muething and Klekamp, LLC & Melissa L. English.

Emery Federal Credit Union, Defendant, represented by Carolyn Ann Taggart, Porter Wright Morris & Arthur, LLP, David M. Souders, Weiner Brodsky Kider PC, pro hac vice, Jeffrey Paul Blackwood, Weiner Brodsky Kider PC, pro hac vice & Michael Yaakov Kieval, Weiner Brodsky Kider PC, pro hac vice.

Jennifer L McAlpin, Defendant, represented by Gregory Michael Utter, Keating Muething & Klekamp.


Order Granting Plaintiffs' Second Amended Motion for Class Certification

This matter is before the Court on Plaintiffs' Second Amended Motion for Class Certification. (Doc. 325.) Defendant Emery Federal Credit Union ("Emery") opposes the Motion. (Doc. 330.) For the reasons that follow, the Court will GRANT...

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